Part of our guide to personal insurance.
Renters Insurance
Your landlord's policy covers the building — not your stuff.
Renters insurance protects your belongings and your liability for a few dollars a month. Your landlord's policy covers the structure, but nothing inside it that's yours — and if a guest is injured in your unit, you could be on the hook. Renters coverage closes both gaps affordably.
What it covers
Personal property
Replaces your furniture, electronics, and belongings after theft, fire, or other covered losses — at home or away.
Personal liability
Legal and medical costs if you're responsible for someone's injury or damage to their property.
Loss of use
Temporary living costs if a covered loss makes your rental uninhabitable.
Medical payments
Minor medical bills for a guest hurt in your unit.
Claims we help with
- A burst pipe ruins your electronics and furniture.
- A break-in clears out your apartment.
- A kitchen fire that starts in your unit damages a neighbor's.
- Your dog nips a visitor and you are held liable.
Good to know
- Many landlords now require renters insurance in the lease.
- It often costs less than a streaming subscription for meaningful protection.
- Coverage follows you — belongings stolen from your car or on a trip are typically covered too.
Who it’s for
Anyone renting an apartment, house, or condo — often required by the lease, and inexpensive peace of mind.
Ready for a renters insurance quote?
Tell us a little about your situation and we’ll take it from there.
More personal coverage